Word: doctors
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Dates: during 2000-2009
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...there is a way of getting this done where we're driving down costs and people are getting health insurance at an affordable rate and have choice of doctor, have flexibility in terms of their plans, and we could do that entirely through the market, I'd be happy to do it that way," the president said. "If there was a way of doing it that involved more government regulation and involvement, I'm happy to do it that way, as well. I just want to figure out what works...
There was at least one thing we didn't have to worry about, Haile assured me. Pat's kidney doctor, Peter Smolens, would keep treating him even if he couldn't pay. Smolens, a thin, soft-spoken man, later told me that about 10% of his patients have inadequate insurance or none at all. He has agonized with some as they struggled with hard choices, like whether to have a hospital biopsy or pay their mortgage. As a physician, he said, "you just see them. You know you're not going to get paid...
...CareLink bills run around $40 a month.) And it puts a heavy emphasis on preventive care; on Pat's first examination at an austere CareLink clinic in northwestern San Antonio, he got tetanus and flu shots as part of the deal. Another stroke of good fortune: Pat's kidney doctor, Smolens, is a participating specialist with CareLink...
...allegedly engaging unfairly in a practice called postclaims underwriting - combing through short-term policyholders' medical records to find pretexts to deny their claims or rescind their policies. In one case, a woman whose non-Hodgkin's lymphoma was diagnosed in 2005 was denied coverage because she had told her doctor on a previous visit that she was feeling tired. Assurant agreed to pay the fine but admitted no wrongdoing...
McCourt says most people have difficulty understanding the language in insurance policies. Even human-resources personnel may not fully understand all the intricacies of a policy when briefing a new employee. Also, coverage that appears adequate at first glance may fall short - eight annual doctor visits or three radiation courses may initially seem sufficient, but a breast-cancer patient can require many more visits and multiple radiation courses in just a few weeks of treatment...